by laOficinaAdministrator | Sep 29, 2020 | Bookkeeping
Insurance companies collect premiums upfront, often not paid out in claims until much later. This time gap allows insurers to invest these funds to generate additional income and strengthen financial stability. These investments range from bonds and stocks to real estate and alternative assets. Examples of IBNR losses are cases where workers inhaled asbestos fibers but did not file a claim until their illness was diagnosed 20 or 30 years later. This section explores the critical aspects of premium accounting in the insurance sector. This publication is not a substitute for such professional advice or services, nor should it be used as a basis for any decision or action that may affect your business. Unfortunately, some trainers forget to discuss the options in detail with agencies, or because when instituting a new system agency personnel are overwhelmed with so much information they don’t hear the trainer’s message. That may be, and often an agency can continue to run just fine while their balance sheet is a mess or the agency is upside down per their balance sheet. With a distinct business bank account in place, tracking business-related transactions becomes significantly more straightforward. THESE NEW DOUBLE-ENTRY ACCOUNTING FEATURES INCLUDE: By adopting accrual accounting, insurance agencies can better align their financial records with the timing of transactions, giving a more accurate portrayal of their financial standing. This method is particularly beneficial for agencies with complex revenue streams and multiple expense types, as it helps in analyzing long-term financial trends and making informed decisions based on real-time data. In the complex and ever-changing landscape of tax regulations and financial reporting requirements, compliance...
by laOficinaAdministrator | Sep 23, 2020 | Sober living
The damage chronic alcohol use creates doubles your risk of chronic kidney disease. This risk is five times higher if you smoke in addition to drinking. In the absence of ADH, segments of the kidney’s tubule system become impermeable to water, thus preventing it from being reabsorbed into the body. Under these conditions, the urine formed is dilute and electrolyte concentration in the blood simultaneously rises. If it is caught early, acute kidney injury can usually heal over time. If you have kidney disease that leads to kidney failure, you will need regular dialysis or a kidney transplant. Alcohol and Acute Kidney Failure In fact, about a quarter of drinkers reported they had done this on at least one day in the past year. “Binge” drinking has harmful effects on the kidney that can even lead to acute kidney failure. A sudden drop in kidney function is called acute kidney failure. This often goes away after a time, but it can occasionally lead to lasting kidney damage. One of the most common alcohol-related contributing factors to kidney damage and disease is binge drinking. Binge drinking involves consuming an excessive amount of alcohol in a short period of time. Related Articles People with NAFLD may develop liver complications or other health problems. They include deaths where the primary (or underlying) cause of death listed on the death certificate was one of 58 alcohol-related causes. Alcohol-related deaths increased among all age groups (during 2020–2021) from just a few years earlier (2016–2017). Caron Outpatient Treatment Center If you experience kidney pain after drinking alcohol, it’s essential that you pay attention to your...
by laOficinaAdministrator | Sep 18, 2020 | Sober living
It is based on the principle of operant conditioning – that behavior is shaped by its consequences. The occurrence of two disorders or illnesses in the same person, also referred to as co-occurring conditions or sometimes dual diagnosis. A prevalent type of talk therapy (psychotherapy) that involves working with a professional to increase awareness of inaccurate or negative thinking and behavior and to learn to implement new coping strategies. A class of psychoactive http://www.tvsubtitles.ru/tvshow-77-5.html drugs that act as minor tranquilizers producing sedation and muscle relaxation, and sleep; commonly used in the treatment of anxiety, convulsions, and alcohol withdrawal. Never Alone Recovery restores connections severed by addiction through a variety of services with which individuals (and their loved ones) can return to a healthier, more fulfilling lifestyle. Call us if you’re struggling to understand or find the best treatment options for you or a loved one. AA, Alcoholics Anonymous The logic behind the “tough love” approach is founded in the belief that the parent is in control of the household, and the child is in control of their behavior. If the child does not accept the rules of the house, the child is not allowed to stay in the house. When faced with the choice of being asked to leave the house, the ideal outcome would be that the child would choose sobriety. Recovery Support Systems These drugs work on the brains receptors and can induce feelings of alertness. Some of the best-known 12-step programs include Alcoholics Anonymous (AA), Narcotics Anonymous (NA), and Cocaine Anonymous (CA). Cravings diminish and disappear in time unless attention is focused on them. Clients live...
by laOficinaAdministrator | Sep 18, 2020 | Sober living
As I mentioned above, lower testosterone levels means a reduced ability to burn fat. Cortisol plays an important role in helping to regulate blood sugar and fight inflammation in the body. You’ve doubled the recommended caloric intake of an entire day in the span of a few hours. This is because alcohol activates starvation mode in the brain, which is why you may suddenly catch yourself eating an entire bag of Doritos after a long night out as if your life depended on it. Now that alcohol is in your body, it is being converted to acetate, which your body LOVE, LOVE, LOVES. Best alcoholic drinks for weight loss As a result, alcohol may lead to a higher risk of gaining weight. Drinking alcohol increases your risk for liver cirrhosis, cancer of the mouth cavity, etc. They often drink rather than eat, believing that alcohol consumption will suppress their appetite. Studies show excessive drinking can prevent the body from absorbing adequate protein and other nutrients. We require sufficient nutrients to function at optimal fitness levels and to build and maintain muscle mass. According to research, alcohol disrupts the body’s restorative or rapid eye movement (REM) sleep. Mental health This is a very interesting article all I have to do is limit myself to 2 drinks on Saturday and I will be ok. Buying the single glass bottle of wine is easiest for me until I reset my mind to only have this amount. Additionally, alcohol is a diuretic, meaning you lose more body water, so you’ll likely need to go to the bathroom more frequently and will often sweat...
by laOficinaAdministrator | Sep 17, 2020 | Bookkeeping
The back of a deposit slip often has an overflow section for you to list additional checks. You are now leaving the SoFi website and entering a third-party website. SoFi has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. SoFi does not guarantee or endorse the products, information or recommendations provided in any third party website. If you bank with FNBO you can deposit cash at one of our ATM’s. Frequently asked questions about direct deposit When you look at the front of a check, you’ll see a row of numbers at the bottom. Specifically, you should see three groups of numbers, separated by spaces or special characters. If there are more or fewer than nine digits, odds are you’re looking at your checking account number (labeled “2” above). More than 165 years of putting customers first. The Credit Union does not provide, guarantee, endorse, or assume responsibility for any content, products or services that may be provided by the website you are entering. If you decide to access this website, you do so entirely at your own risk and subject to the terms and conditions of use on such website. Federal government employees (including military) should contact their employer’s payroll or human resources department to initiate or make changes to direct deposit. Employees of private companies should contact their employer’s payroll or human resources department to initiate direct deposit. State or local government employees should contact their employer’s payroll or...
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